Online Bank Bonus Effective Yield Calculator
Compare an online bank cash bonus with estimated APY value, holding period, taxes and account friction before checking official bank bonus terms.
Updated 2026-06-18. Do not enter account numbers, passwords, MFA codes, Social Security numbers, routing numbers or private bank messages.
Browser-only calculator
| After-tax bonus minus friction | |
|---|---|
| Alternative after-tax APY value | |
| Bonus advantage estimate | |
| Approx. annualized bonus yield |
This tool runs locally in your browser. It does not fetch live APYs, bank offers, account eligibility, tax forms or transfer limits.
How to use / 使用方法
- Enter only non-sensitive planning assumptions from official bank disclosures or your own notes.
- Compare the output with the verification box before opening or moving money between accounts.
- Check APY tiers, bonus windows, direct-deposit rules, fees, holds and tax reporting before acting.
- Use the commercial links to compare bank categories only after official terms are confirmed.
Official verification box / 官方验证盒
Verify the current version of these items on official bank pages, account disclosures or tax documents:
- Official bank bonus terms, qualifying deposit windows, direct deposit rules and promo expiration dates
- Whether the bonus is reported as interest or other taxable income and whether a 1099 form may apply
- Minimum balance, monthly fee, early closure fee and clawback language
- Current APY, compounding method and whether rate tiers or balance caps apply
Commercial next steps
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FAQ
Does this show live bank bonus terms?
No. It only models numbers you enter. Verify current bank bonus terms, APY, fees and tax reporting rules through official sources.
Should I enter account numbers?
No. Use only high-level assumptions such as deposit amount, holding period and estimated tax rate.
Is this financial or tax advice?
No. This is educational planning support, not personalized financial, tax, legal, banking or credit advice.
Disclaimer
This page is educational content and not personalized financial, tax, legal, credit, banking, privacy, cybersecurity or professional advice. Official bank terms, tax forms and qualified professional guidance control individual decisions.